What’s the best credit card to earn Qantas Points? It’s one of our most received questions at Flight Hacks, and for good reason. Being armed with a great Qantas credit card opens up a world of travel possibilities. Naturally, the answer isn’t conclusive, but most of the time people are interested in a Qantas Frequent Flyer credit card that comes with a massive sign-up bonus. However, there are times when this isn’t the case.
For some, the sign-up bonus is somewhat irrelevant compared to a card’s earn rate. Big spenders who put everything on their frequent flyer credit card can often earn more from a high earn rate than churning sign-up bonuses.
In this guide, we list Qantas Credit Cards with a high earn rate, and review our top picks for 2021.
| Card | Annual Fee | Base Rate Cap | Base Earn Rate | Capped Earn Rate | International Purchases | Supermarkets | Petrol Stations | Additional on QF Spend |
|---|---|---|---|---|---|---|---|---|
| Woolworths Qantas Platinum | $169 | uncapped | 0.5 | - | 0.5 | 1 | 0.5 | - |
| Westpac Altitude Qantas Platinum | $200 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Westpac Altitude Qantas Black | $300 | uncapped | 0.75 | - | 0.75 | 0.75 | 0.75 | - |
| St.George Amplify Qantas Rewards | $79 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| St.George Amplify Qantas Platinum | $99 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| St.George Amplify Qantas Signature | $279 | uncapped | 0.75 | - | 0.75 | 0.75 | 0.75 | - |
| Qudos Bank Platinum Visa | $249 | $2,500 | 1 | 0.5 | 1 | 1 | 1 | 1 |
| Qantas Premier Titanium | $1,200 | $12,500 | 1.25 | 0.5 | 2 | 1.25 | 1.25 | 2 |
| Qantas Premier Platinum | $299 | $10,000 | 1 | 0.5 | 1.5 | 1 | 1 | 1 |
| Qantas Premier Everyday Card | $49 | $3,000 | 0.75 | 0.4 | 1 | 0.75 | 0.75 | 1 |
| NAB Qantas Rewards Signature | $395 | $5,000 | 1 | 0.5 | 1 | 1 | 1 | 1 |
| NAB Qantas Rewards Premium | $250 | $3,000 | 0.66 | 0.33 | 0.66 | 0.66 | 0.66 | 1 |
| HSBC Platinum Qantas | $99 | $1,000 | 1 | 0.5 | 1 | 1 | 1 | - |
| Bankwest Qantas World | $270 | $5,000 | 1 | 0.5 | 1 | 1 | 1 | - |
| Bankwest Qantas Platinum | $160 | $2,500 | 0.75 | 0.3 | 0.75 | 0.75 | 0.75 | - |
| Bank SA Amplify Qantas Rewards | $79 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Bank SA Amplify Qantas Platinum | $99 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Bank SA Amplify Qantas Signature | $279 | uncapped | 0.75 | - | 0.75 | 0.75 | 0.75 | - |
| Bank of Melbourne Amplify Qantas Rewards | $79 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Bank of Melbourne Qantas Platinum | $99 | uncapped | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Bank of Melbourne Qantas Signature | $279 | uncapped | 0.75 | - | 0.75 | 0.75 | 0.75 | - |
| Bank Australia Qantas Platinum | $189 | $20,000 | 0.75 | - | 0.75 | 0.75 | 0.75 | 1 |
| ANZ Frequent Flyer | $95 | $500 | 0.5 | 0.25 | 0.5 | 0.5 | 0.5 | 1 |
| ANZ Frequent Flyer Platinum | $295 | $3,000 | 0.75 | 0.5 | 0.75 | 0.75 | 0.75 | 1 |
| ANZ Frequent Flyer Black | $425 | $7,500 | 1 | 0.5 | 1 | 1 | 1 | 1 |
| Qantas American Express Discovery | $0 | uncapped | 0.75 | - | 0.75 | 0.75 | 0.75 | 1 |
| Qantas Amex Premium | $249 | uncapped | 1 | - | 1 | 1 | 1 | 1 |
| Qantas Amex Ultimate | $450 | uncapped | 1.25 | - | 1.25 | 1.25 | 1.25 | 1 |
| David Jones American Express | $99 | uncapped | 0.5 | - | 0.5 | 1.5 | 1.5 | - |
| David Jones American Express Platinum | $295 | uncapped | 0.5 | - | 0.5 | 1.5 | 1.5 | - |
| Commbank Awards Qantas | $89 | - | 0.4 | - | 0.4 | 0.4 | 0.4 | - |
| Commbank Platinum Awards Qantas | $279 | - | 0.4 | - | 0.4 | 0.4 | 0.4 | - |
| Commbank Diamond Awards Qantas | $379 | - | 0.5 | - | 0.5 | 0.5 | 0.5 | - |
| Commbank Ultimate Awards Qantas | $379 | $10,000 | 0.4 | 0.2 | 1.2 | 0.8 | 0.8 | - |
| Bendigo Bank Qantas Platinum | $149 | - | 0.6 | - | 0.6 | 0.6 | 0.6 | - |
| Citi Premier Qantas | $175 | - | 0.5 | - | 1 | 0.5 | 0.5 | - |
| Citi Prestige Qantas | $749 | - | 0.5 | - | 1.5 | 1 | 1 | - |
In this post:
Qantas Premier Titanium
Annual Fee: $1,200
Earn Rate:
- 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter
- 2 Qantas Points per AU$1 equivalent spent on international purchases
- 2 additional Qantas Points per $1 spent with Qantas
Cardholder Benefits:
- 150,000 bonus Qantas Points after spending $5,000 within 3 months of approval
- 10% off the base fare of eligible Qantas flights for up to 2 travellers twice a year
- Two Qantas First lounge invitations for Qantas First Lounges in Sydney, Melbourne or Los Angeles
- Two domestic Qantas Club or Qantas International Business lounge invitations
- 20% bonus Status Credits when you book Qantas flights using your card
- Qantas Wine Premium membership
- Up to 20,000 Qantas Points per year through the Qantas Wellbeing App
Qantas American Express Ultimate
Annual Fee: $450
Earn Rate:
- 2.25 Qantas Points per $1 spent on eligible Qantas products and services
- 1.25 Qantas Points per $1 spent on card purchases
- 0.5 Qantas Points per $1 spent on purchases at government bodies in Australia
Cardholder Benefits:
- 110,000 bonus Qantas Points and $200 after spending $3,000 in the first 3 months
- $450 annual Qantas travel credit for use via American Express Travel
- Two American Express Lounge entries per year
- Two Qantas Club lounge invitations each year after purchasing eligible Qantas products and services
- Qantas Wine Premium membership
Help us help you by applying for the Qantas Amex Ultimate card here.
Qantas American Express Premium
Annual Fee: $249
Earn Rate:
- 2 Qantas Points per $1 spent on eligible Qantas products and services
- 1 Qantas Points per $1 spent on card purchases
- 0.5 Qantas Points per $1 spent on purchases at government bodies in Australia
Cardholder Benefits:
- 33,000 bonus Qantas Points after spending $3,000 in the first 3 months
- Two Qantas Club lounge invitations each year after purchasing eligible Qantas products and services
- Qantas Wine Premium membership
Help us help you by applying for the Qantas Amex Premium card here.
Citi Prestige Qantas
Annual Fee: $749
Earn Rate:
- 1.5 Qantas Points per $1 spent on eligible international purchases
- 1.5 Qantas Points per $1 spent on purchases with major airlines, hotel chains and restaurants in Australia
- 1 Qantas Point per $1 spent on purchases with major supermarkets, petrol outlets and national retailers
- 0.5 Qantas Points per $1 spent on other eligible domestic purchases
Cardholder Benefits:
- 100,000 bonus Qantas Points when you spend $7,500 on eligible purchases within 60 days from approval
- Priority Pass lounge access for you and one guest
- 4th night free when you book four consecutive nights at a range of hotels
- Luxury car transfers up to the value of $100 in selected cities across Australia
- A complimentary bottle of wine at any of Citi’s partner restaurants in Australia
Qantas Premier Platinum
Annual Fee: $299
Earn Rate:
- 1 Qantas Points per $1 up to $10,000 per statement period and 0.5 thereafter
- 1.5 Qantas Points per AU$1 equivalent spent on international purchases
- 1 additional Qantas Points per $1 spent with Qantas
Cardholder Benefits:
- 80,000 bonus Qantas Points when you spend $4,000 or more within 3 months
- 80 bonus Status Credits when you make an eligible purchase by 31 October 2021
- Up to 20% off selected Qantas domestic flights for up to 9 people, once per year
- Two domestic Qantas Club or Qantas International Business lounge invitations
NAB Qantas Rewards Signature
Annual Fee: $396
Earn Rate: 1 Qantas Point per $1 spent up to $5,000 then 0.5 Qantas Points per $1 spent from $5,001 to $20,000
Cardholder Benefits:
- 90,000 bonus Qantas Points when you spend $3,000 in the first 60 days, plus an additional 20,000 Qantas Points when you
- keep your card open for over 12 months
Help us help you by applying for the NAB Qantas Rewards Signature card here.
Westpac Altitude Qantas Black
Annual Fee: $300
Earn Rate: 0.75 Qantas Points per $1 spent on eligible purchases
Cardholder Benefits:
- Up to 120,000 bonus Qantas Points (90K after spending $4,000 within 90 days, plus 30K after the first eligible purchase in year 2)
- Existing Westpac customers save $100 on their first-year annual card fee
- Two Qantas Club lounge passes each year
Help us help you by applying for the Westpac Altitude Qantas Black card here.
St. George Amplify Qantas Signature
Annual Fee: $279
Earn Rate: 0.75 Qantas Points per $1 spent on eligible purchases
Cardholder Benefits:
- 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 90 days from new card approval
- Two Qantas Club lounge passes each year
Help us help you by applying for the St George Amplify Qantas Signature card here.
ANZ Frequent Flyer Black
Annual Fee: $425
Earn Rate: 1 Qantas Point per $1 spent up to $7,500 per statement period, 0.5 thereafter
Cardholder Benefits:
- 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months
Two Qantas Club lounge passes each year
